Refinance Calculators

See your numbers in real dollars.

No sign-up. No credit check. No sales pitch. Every calculator uses strict Australian lending assumptions (80% LVR, LMI thresholds, Australian dollar formatting) so the answer you see is the answer a lender would give — not a marketing figure.

You're dealing with

A licensed mortgage broker — not a comparison site.

Every application is handled by Tanuj Kapoor — Mortgage Broker at Jabsons Finance (credit representative 557159 of BLSSA Pty Ltd, ACL 391237).

Not a comparison site
Not a lead marketplace
No fees to homeowners

How much you can actually access

Usable Equity + LVR Calculator

Enter your property value and current loan balance. See your usable equity at 80% LVR — the number lenders will actually let you draw against — in real dollars, not gross equity marketing figures.

What it tells you

Your current LVR percentage
Usable equity in $ at 80% LVR
Whether you're below the LMI threshold

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When switching starts paying off

Refinance Break-Even Calculator

Enter your current rate, target rate, and estimated switching costs. See the exact month your savings overtake the switching cost — so you know whether switching is worth it, or whether a re-negotiation would do more.

What it tells you

Monthly repayment savings
Total savings over the loan term
The month you break even on switching costs

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Repayments + offset savings

Home Loan Repayment Calculator

Enter your loan, rate, term and current offset balance. See your monthly repayment and — via a proper month-by-month simulation — how much interest and how many years the offset saves you.

What it tells you

Estimated monthly repayment
Total interest saved by your offset
How many years the offset shaves off the term

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How our numbers stay honest

Every calculator uses real lender assumptions.

We build these for our own client work — they use the same 80% LVR ceiling, the same LMI thresholds, the same Australian dollar rounding a broker actually applies when pricing your loan. If a calculator says $187,400 of usable equity, that's the number we'd walk into a lender meeting with.

Want the full picture? Get a complimentary Equity Snapshot — we benchmark your live loan against 60+ lenders.

No obligation · No cost · No credit check to enquire.